Covington Schools

Andalusia, AL · 1 · Charter #11950
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$21.9M
65th percentile
Members
1,627
56th percentile
Total loans
$9.3M
63th percentile
Total shares
$13.9M
56th percentile

Profitability

Return on assets
0.69%
44th percentile
Net interest margin
2.89%
17th percentile
Efficiency ratio
53.13%
78th percentile
Non-interest income ratio
0.14%
7th percentile

Capital & Risk

Net worth ratio
37.77%
96th percentile
Delinquency rate
9.54%
3th percentile
Net charge-off rate
0.59%
28th percentile
Loan-to-share
66.93%
59th percentile

Growth

Member growth YoY
0.74%
75th percentile
Asset growth YoY
5.20%
75th percentile
Loan growth YoY
-24.10%
4th percentile
Share growth YoY
7.08%
84th percentile

Operations

Members / branch
1,627
68th percentile
Assets / member
$13,455
79th percentile
Field of membership penetration
90.39%
96th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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